FAQ

Common questions

If you have any more questions, please get in touch and I’ll do my best to answer.

Are you FCA regulated?

Yes I am a registered individual via Credo Capital plc. All my client accounts are run through Credo.

Tim O’Shea is an FCA approved person with Credo Capital Plc “Credo”. You can view Credo’s and Tim’s FCA accreditation on the FCA website. Credo is a London Stock Exchange member firm and is authorised and regulated by the Financial Conduct Authority. You can read more about Credo at their website credogroup.com.

What is your relationship with Credo?

I am a “Consultant Broker” for Credo under a consultancy agreement. What this means is that I work very closely with Credo for my clients. Credo takes care of many tasks for me allowing me to concentrate on the investment ideas and my clients’ needs.

Who are Credo?

Credo Capital plc is a wealth manager based in London. With over 50 London-based staff, and assets of £1.7bn under management, Credo are experts in managing client assets.

What happens if something happens to Tim?

In the case that Tim is no longer around, the team at Credo will look after you fully. The relationship managers and investment professionals in London will ensure you are fully briefed in order to make a decision on how best to proceed. Of course, you are able to transfer you assets out at anytime.

What is the structure and how are my assets protected?

I have a consultancy agreement with Credo Capital plc. This arrangement allows me to focus on investment research and working with my clients whilst Credo takes care of all the administration, regulation, and systems that are required. So, as the client, your contract is with Credo but I am responsible for working with you and managing all your investment decisions. Credo works with Pershing, one of the finest custodians in the world — ensuring your assets are always secure.

Can I view my portfolio online?

Yes, your portfolio can be viewed online 24/7 by logging into MyCredo or by downloading the app. Your username and password will be emailed to you when you sign up. If you have problems accessing your account, please get in touch.

How often should I check my portfolio?

There is no need to check your portfolio at all, as I will be sending reports twice a year outlining what has been going on. Some people like to check more regularly, but this can be counter-productive as on any given day it can move in value. If you do want to check frequently, then expect ups and downs of the prices and remember that changes in prices don’t always reflect what is actually going on in the business.

Tim O'Shea is an FCA approved person with Credo Capital Plc “Credo”. Credo is a London Stock Exchange member firm and is authorised and regulated by the Financial Services Authority. The content on this website does not constitute investment advice, and represents the writer's personal opinions only.
Past performance does not indicate future performance. Share prices go up and down and the income is not guaranteed. You may not get back the original amount invested. Please read Credo's legal terms Copyright 2015. To review our Privacy Policy please visit: timoshea.co.uk/privacy